Disability Insurance Individual Disability Income Insurance and Business Overhead Expense Insurance At this point in your life, your earning power is your greatest asset and the asset you should worry most about losing. Financial Planners will tell you that you are far more likely to be disabled during your working years than you are to die. If you are joining a group you will need to know if disability income insurance is provided, if the coverage is group or individual and if it is paid for by your employer. It is also important to know the “definition of disability”, the elimination period, the benefit period, if there are any specific exclusions/limitations and if the policy is portable. If you are opening your own office, you will also need to have business overhead expense insurance to cover your office expenses in case you become sick or hurt and are unable to work.